U.S. Bank Business Cash Rewards World Elite™ Mastercard® review

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Advertiser Disclosure

Interest Rate: Purchases
11.99% ‐ 22.99% (Variable) (0% for the first 15 months)
Balance Transfer
11.99% ‐ 22.99% (Variable) (0% for the first 15 months)
Rewards
1 - 3% cashback
Signup Bonus
$500 after spending $4,500


7.7/10
Informr score
The U.S. Bank Business Cash Rewards World Elite™ Mastercard® currently has an Informr score of 7.7 out of 10. This score is based on our evaluation of 9 sources including reviews from users and the web's most trusted critics.

Am I eligible?


U.S. Bank Business Cash Rewards World Elite™ Mastercard® is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


FinanceBuzz

Whether you’re an established business owner or just thinking about what business to start, there are many attractive perks that come with the U.S. Bank Business Cash Rewards World Elite Mastercard. You’ll get a generous sign-up bonus, a 25% annual rewards bonus, and an intro APR. These features can...

- Lindsay Frankel, FinanceBuzz
Investopedia

The U.S. Bank Business Cash Rewards World Elite Mastercard offers not only an easily earned  bonus (of $200 for spending $1,000 on purchases in the first 90 days with the account) but a 25% annual bonus (of up to $250) on cash rewards that are decent, at least for the card’s bonus categories. That s...

- Lance Cothern, Investopedia
CreditCards.com

Business owners will appreciate the generous earning scheme of this no-annual-fee World Elite credit card, as well as the simplicity of earning and redeeming cash back.

- Andy Shuman, CreditCards.com
Finder

An excellent card, offering several features business owners love. Most notable is the unlimited cash back on eligible gas, cellular and office supply purchases, which are common business categories. And the 25% annual cashback bonus is a lucrative sweetener.

- Finder
CardRatings.com

This is a great card for a business owner looking for a cash rewards card with no annual fee, no cap on your rewards that never expire, and the ability to earn cash to put back into your business.

- Brooklyn Lowery, CardRatings.com

Details


Interest Rates
Regular APR Interest Rate 11.99% ‐ 22.99% (Variable) (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 11.99% ‐ 22.99% (Variable) (0% for the first 15 months)

- Intro rate applies on balances transferred within the first 30 days of account opening.
- This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 4%

Minimum of $10

Foreign Transaction Fee 2%

Of each transaction in U.S. dollars.


3%

Of each transaction in foreign currencies.

Over Limit Fee $39.00

Maximum

Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus $500 after spending $4,500

On purchases within the first 150 days.

Rewards
All Purchases 1% cash back
Restaurants No
Gas 3% cash back
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • 3% cash back on eligible office supply store and cell phone/service provider
  • Receive a 25% annual bonus based on your prior year’s Cash Rewards up to $250.
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay
Virtual Cards No
Additional Benefits
  • Chip technology
  • Encore Relationship Rewards

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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